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Tips on Preventing Identity Theft
(NewsUSA) - In the
course of the day, you do many activities that put your personal
information at risk - from writing a check at the store to charging
merchandise in person or over the phone. You may not think twice about
these transactions, but others might.
Identity theft - when a perpetrator
assumes
someone's identity for personal or financial gain, like stealing a
credit card to make financial transactions in the victim's name - is
the fastest-growing crime in America.
According to the U.S. Postal
Inspection Service,
there were almost 10 million cases of identity theft in 2004, which
cost consumers $5 billion.
The National Citizens' Crime
Prevention Campaign,
sponsored by the National Crime Prevention Council, aims to educate
consumers about what they can do to prevent identity theft. The council
offers the following tips.
* Do not give out your personal
information
unless you initiate the contact or know the person or company with whom
you are dealing. Also, never disclose personal information, such as a
Social Security number or bank account number, in response to an email.
Legitimate businesses will not ask you to do this.
* Do not disclose your credit card
number to an
online vendor unless it is encrypted and the site is secure. Look at
the first part of the Web address on your browser. It should read
"https://."
* Do not write your Social Security
number or
telephone number on checks or credit card receipts.
* Remove all documents with personal
information
from your hard drive before discarding your computer or sending it in
for repair.
* Shred discarded documents,
including
preapproved credit card applications, bank statements, store receipts
and utility bills. "Dumpster divers" can gain access to your personal
information if such items are thrown in the trash.
* Cancel all credit cards that have
not been used
in the last six months. Open credit is a prime target for thieves.
* Order your credit report at least
twice a year
and report any mistakes to the credit reporting agency in writing.
If you are a victim of identity
theft, contact
your local police department as soon as possible. If your identity was
stolen in one jurisdiction but used in another, you may have to report
the crime in both jurisdictions.
To learn more about preventing
identity theft,
visit the National Crime Prevention Council's Web sites at www.weprevent.org
and www.ncpc.org.
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